Green loans and mortgages: harmonizing sustainability and real estate in the EU
グリーンローンとグリーンモーゲージ：EUにおける持続可能性と不動産の調和 (AI 翻訳)
Casalini, Lucio
🤖 gxceed AI 要約
日本語
本稿は、不動産・建設セクターにおけるグリーンファイナンスの役割を分析し、グリーンモーゲージやリテールローンに焦点を当てる。EU法、EBA勧告、欧州司法裁判所判決を検討し、既存の法的枠組みで持続可能性目標を統合可能と結論づける。統一的な規制アプローチがグリーンウォッシュ防止、市場効率向上、家計・中小企業のグリーン移行に有効と主張。
English
This article examines the role of green finance in real estate and construction, focusing on green mortgages and retail loans. Analyzing EU legislation, EBA recommendations, and ECJ judgments, it finds existing legal instruments sufficient for integrating sustainability. It argues a unified regulatory approach prevents greenwashing, enhances market efficiency, and accelerates the green transition for households and SMEs.
Unofficial AI-generated summary based on the public title and abstract. Not an official translation.
📝 gxceed 編集解説 — Why this matters
日本のGX文脈において
EUのグリーンモーゲージ規制の議論は、日本におけるグリーンローン・グリーンボンドの枠組み整備や、不動産分野でのサステナビリティ開示（SSBJなど）に示唆を与える。特にグリーンウォッシュ防止のための規制アプローチは、日本の金融庁や環境省の政策検討に参考となる。
In the global GX context
This paper contributes to global GX discourse by analyzing how existing EU legal frameworks can accommodate green financial products without new regulation. It offers insights for jurisdictions like the US, Japan, and others developing green mortgage standards, and highlights the role of soft law and private law in preventing greenwashing.
👥 読者別の含意
🔬研究者:Provides a legal analysis of green mortgage regulation in the EU, useful for comparative studies on green finance frameworks.
🏢実務担当者:Offers insights for financial institutions developing green loan products on regulatory expectations and greenwashing risks.
🏛政策担当者:Relevant for regulators considering whether to create new green finance rules or rely on existing instruments.
📄 Abstract（原文）
Abstract This article examines the pivotal function of green finance in promoting sustainability within the real estate and construction sectors, with a specific focus on green mortgage loans and retail loans. From this perspective, it also addresses the issue of whether green financial products require regulatory approaches distinct from their conventional or ‘brown’ counterparts. A joint analysis of recent European Union (EU) legislation, the European Banking Authority’s recommendations, and relevant European Court of Justice judgments reveal the sufficiency of existing legal instruments to integrate sustainability objectives. Furthermore, the article emphasizes the crucial role of private law and the complementary function of soft law in achieving environmental goals. It concludes that a unified regulatory approach would better prevent greenwashing, enhance market efficiency, and accelerate the green transition for households and small and medium-sized enterprises (SMEs) within the EU’s ambitious sustainable development goals.
🔗 Provenance — このレコードを発見したソース
- openaire https://doi.org/10.1093/ulr/unaf025first seen 2026-05-05 19:07:31
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